Track your spending

Spend less than you earn to stay on track.
Analyze your cash flow to see the remaining amount of money. Determine how much you spend on bills and other recurring expenses and compare it to your income and other variable costs.

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  • Net worthUse several data connectors to track your net worth
  • BudgetingFlexible budgeting tools, custom categories and rollovers to stay on track
  • RecurringManage all your paychecks, bills and subscriptions in one place
  • Debt payoff planYour personal payoff schedule based on the strategy and budget
  • Spending insightsAnalyze your tracked spending data to better adjust your budget
  • PFM courseLearn more about personal finance, from budgeting mistakes to debt management
  • Financial goalsSet a goal to make sure it is achievable and fits your budget using SMART
  • TransactionsSee all transactions from all of your financial institutions in one list
  • LeftoverAlways know how much spending money you have after budgeting for necessities
  • Lower your billsNegotiate better rates for your cell phone or cable bills with Billshark
  • Cancel subscriptionsFind unwanted subscriptions you would like to cancel and save your money
  • Cash flowTrack your profit or deficit by analyzing your recurring and variable expenses

Budget calculator

Try out the PocketGuard personal monthly budget calculator. Customize your budget the way you want. Let us crunch numbers and show how much you can save or allocate for debt payments.

Estimated income: $0

Take-home pay

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$0 $20000

Bills & Utilities: $0

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Category budgets: $0

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Allocate enough to cover your Debts: $0

Enter minimum amount of money you need to pay every month.

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Savings contributions: $0

Enter the amount of money you’d like to contribute towards your savings goals.

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$0 $350
Leftover:
$150

Leftover - amount of money you can save or spend on everything else during the month.

Monthly budget breakdown

Leftover
Bills
Budgets
Debts
Savings
Total monthly income:$1,430
Total monthly expenses:$1,080
Total monthly savings:$200
Leftover:$150

Well Done! You’re spending less than you’re earning.

Debt payoff calculator

PocketGuard debt payoff calculator will help you create the best plan you can stick to. Choose between “avalanche” or “snowball” strategies to see your progress faster or pay less in interest. You can download the payoff schedule for free.

Debt name
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Min payment
APR
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Set up debt payoff budget

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Calculate online
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Minimum payments only 3200 All your free money 900

Choose your payoff strategy

Avalanche

The highest interest first

Total principal & interest: $63,411
Total interest: $1,440
Percentage paid in interest: 2.27%
Month until debt free: 16
Debt free date: Aug 2025
Show payoff schedule

Review your payoff plan schedule

Month
Payment
Interest
Principal
Balance

Get the full schedule in PocketGuard

Set up your personal debt payoff plan based on your monthly budget. See how many payment cycles left until debt free.

Feel the value

Thousands of people in the US, UK and Canada use PocketGuard to budget and track their spending.

agbs31 21/09/2021

Big fan!

Dry.Towels 28/12/2021

Awesome !
Great app ! Helped me when I was overwhelmed when keeping track of all my bills. Only complain is that sometimes it took about a day for the app to update how much money I had in my accounts. Other than that it was perfect !

David G. 17/02/2023

I’ve paid for the premium version to get the absolute most out of the app. My 81 year old mother now uses the app, she also loves it. I can easily reference what bills are still outstanding and show my husband our spending trends and cash flow. It is a breeze.

Austin McRobbie 28/08/2021

Best finance app yet
I’ve used several finance apps - but PocketGuard takes the cake! It’s intuitive, super easy to use…exactly what to want!

Ashley Bauer 24/02/2022

Love the budget categories that come with the premium

Devan E. 09/05/2023

My husband and I love this app so much! ❤️ It helps us keep track of our finances and unwanted subscriptions. We will continue to use this app from here on out for our household.

kristalyns 15/01/2022

Everything I need in one place!!!
I love this app- as a minimalist I’ve been wanting something like this for years. Finally in one glance I can see how I’m doing, adjust, and plan! The customer service is also amazing- one of my credit cards wouldn’t link up and the PocketGuard team worked on solving the problem for days and fixed it! Great communication, very kind team. I highly recommend!!

Ashley B. 23/03/2023

Love the budget categories that come with the premium.

ED RAMOS 10/10/2021

Once you try it, you will like it. Very clean organized app for Financing $ Budgeting 💪🤑🤑🤑🤑

GammaCo 07/08/2023

Best budgeting app by far
The only reason why Mint, YNAB, and the other budgeting apps with tens of thousands of reviews are rated so high is because those users have never tried this app. PocketGuard blows those apps out of the water with the ease of use and features. The only thing missing is support for Apple Card but most apps don’t have that yet so no big deal.

Jayaroo 03/11/2021

Better than Mint
Better interface, nice and simple. Able to see all bills outgoing and income in one pie. Used to be free, now cost $$, will wait to see if it goes on sale. Would highly recommend!

Jason T. 10/04/2023

I have been using PocketGuard since 2020. I am able to keep track of everything. Awesome app.

George H. 12/04/2023

As helpful as you make it, this app allows user to easily create and edit categories in order to track spending patterns. Exactly what my family needs!

Jazi L. 22/07/2023

I did decide to purchase the lifetime option and love that I can create my own categories, and split my transactions. It gives me a much more clear and accurate view of my spending. I love this app!

Jeff D. 15/04/2023

Within 40 seconds of linking my account to this app, I was alerted to a recurring membership I never approved of and was able to get a full refund. I’ve barely used this app and it’s already saved me $400. Install it.

Jen A. 26/03/2023

Can’t explain in words how helpful this app has been in helping me keep track of all my expenses and all income, cash app, Venmo, my car payments, and what I should and shouldn’t be budgeting for.

jen230914 18/11/2021

Best app I've found
Can’t explain in words how helpful this app has been in helping me keep track of all my expenses and all of income, cash, cash app, Venmo, my car payMents and the way it’s affecting my budgets and what I should and shouldn’t be budgeting for.

JFDubro 01/09/2021

I never review apps but get this one.
Within 40 seconds of linking my account to this app, I was alerted to a recurring membership I never approved of and was able to get a full refund. I've barely used this app and it's already saved me $400. Install it.

Maya Sweedler 27/11/2021

App is super useful -- but what really set it apart in my experience is the customer support. I emailed support with a syncing issue and over the course of a month, PocketGuard kept me updated as it worked across a bunch of platforms to resolve the issue. Now it's working perfectly and I'm so appreciative of how helpful and communicative the team was!

Kmcallahan77 12/09/2021

Awesome app
I’m used to looking at our monthly budget in 2D, and if I wanted to do any sort of analysis, I would have to do all the work, taking hours. This 3D app does the majority of the work for me so I can step back, look at where my money is going, and start making better decisions. I haven’t even seen everything it can do yet, very excited

Matthew S. 08/06/2023

Wonderful way to track your finances, set up budgets and goals to really dial in your budget. The premium version is the way to go.

Luke F. 13/02/2023

Every month, the budget can change. Kids have summer camps. There are trips. There are car repairs. This app allows for flexibility and shows exactly where you are with leftover money every month.

DevanEve 05/03/2022

We love it!
My husband and I love this app so much! ❤️ It helps us keep track of our finances and unwanted subscriptions. We will continue to use this app from here on out for our household

Jo R. 04/06/2023

Used many budgeting apps and this one is one of the best. It’s so good that I bought the lifetime license.

Melissa Patton 31/12/2021

I really enjoy this app. It puts things in categories with little maintenance on my part. I used to take up to three hours at the end of the month to do what this app does. Thankful to be able to manage my spending better.

Nic G. 19/07/2023

I’m surprised at how perfectly it matches what I was looking for. This is the perfect budgeting tool for me. Things like Mint or YNAB were OK, but this just makes sense out of the box.

Tegan 620 05/02/2022

I would 100% recommend the premium upgrade
The budget service and app delivers on everything it promised, and the support for any issues has been super responsive. I would 100% recommend the premium upgrade.

Nicole E. 11/05/2023

Set up was easy! Reminders are appreciated. The entire setup is smart and relevant. Lots of categories to make a comprehensive budget for myself. Very happy with this product! Exceeded my expectations.

Old n New Favorites 01/08/2023

Great tool - simple and easy to use
I love that it is customizable for categories, and whether or not a transaction should be counted. The budget is simple and easy to see where the money goes, and where you can make adjustments. The updates from bank accounts with merchant info and the ability to split the receipt into multiple categories. Just a well thought out and user friendly app. Only suggestion is to make it available to adjust a future budget, i.e. the coming month. That would make it easier to plan for certain expenses.

Paulin1160 14/03/2022

Best finance tracking app I've had
It’s a pretty great app! I am terrible with money and this has made it A LOT EASIER to track my expenses and see where my money goes. And it’s been pretty revealing! It’s made a huge differences in how and where I spend my money! Am gonna use this app for a long time going forward!

Phil M. 12/02/2023

I’ve used so many budgeting apps, and this is the first one that not only allowed me to understand my spending but also me to change my habits!! I swear by it.

Samantha Staunton 07/10/2021

This app fit perfectly for my budget and tracking everything. Was really eaay to adjust and set goals ect. Great choice when ur starting to figure everhthing out!

Sean McDougle 21/01/2022

The budget system is the best and the customer support is top notch!

schwarzluke 10/08/2023

FANTASTIC Budgeting App!!
This is an awesome app for keeping track of your finances! It’s very intuitive, and I love the zero-based budgeting approach. I also love that they offer a lifetime one-time purchase option for the premium version. This app has made managing my personal budget so much easier. I recommend this to anyone who is wanting to get a better grip on their monthly spending.

Nic Gordon 24/09/2021

I'm surprised at how perfe fly it matches what I was looking for. This is the perfect budgeting tool for me. Things like Mint or YNAB were OK, but this just makes sense out of the box.

Tegan S. 29/03/2023

The budget service and app deliver everything it promised, and the support for any issues has been super responsive. I would 100% recommend the premium upgrade.

Join 1 million+ members

4.7 Stars

4.7 Stars

  (10k Ratings)

$40 million+

Lowered in bills

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Saved in goals

$90 million+

Paid off in debts

Trusted by the best

For all your goals, you need the tools to get there

PocketGuard is an all-in-one budgeting platform that brings together everything you need to optimize your finances.